User interface common components and scalable integrable reusable isolated user interface

ABSTRACT

Disclosed are examples of systems, methods and techniques related to delivering a service widget that collects data and provides a service. A service widget is provided in response to a widget delivery request received from a user browser. The delivered service widget enables the user browser to request item-related services from an enterprise. A request for the item-related services is received by an enterprise from the delivered service widget. Provision of the service is enabled upon confirmation that an authentication token fetched from the client backend system is valid for the client backend system, the services request may be delivered to an enterprise server. The enterprise, in response to an analysis of the information related to the item available for purchase, may indicate that the item available for purchase meets a purchase threshold of the enterprise and provide an evaluation result including parameters of the item-related services.

BACKGROUND

When entities deal with on-line users via the entities' websites, therespective entities usually prefer to provide their own user experienceto guide a user through processes that may involve obtaining endorsementfrom one or more external enterprises. The entities as well as usersthat interact on-line with the respective entities usually prefer clear,secure methods for inputting information, especially personalinformation, to the respective entity's website. This is particularlytrue with entity websites in which the user may have had minimalprevious interaction and therefore limited trust.

Some special services, such as credit checking, lending qualification orprequalification, identity confirmation, email services and the like,may be provided by an enterprise external to the entity through“widgets” that execute via the entity's website. A widget may be aseparate computer application that provides a service obtained from aseparate widget host enterprise, and that is called from an entity'swebsite. A user selects a button on the website that launches the widgeton the user's web browser.

However, with respect to each other, entities typically use differentinternal or external website developers to produce and update therespective entity's website and related programming code, such as thewidgets. Because of using different developers, the generation ofwidgets by an external enterprise for each entity website is cumbersomeand adds high maintenance costs. For a large entity having multipledifferent business units each with their own websites, the resultingwebsites and the generated widgets may lack consistency and uniformityacross the multiple business units of the entity. Integration betweenthe widget, the web sites, entity site backend, and the backend of thewidget host must be simple or risk additional maintenance costs. Thelack of consistency and uniformity may perhaps lead to frustration anduser disappointment in the performance of the website and widgets.

SUMMARY

Disclosed is an example of a method that includes receiving a widgetdelivery request for delivery of a service widget to a user browser. Thewidget delivery request may be for a specific service provided by anenterprise and available by inputting the widget delivery request to adedicated network entry point of an enterprise network. In response tothe widget delivery request, the service widget may be delivered to aclient backend system. The delivered service widget is operable toenable the user browser to request item-related services. A servicesrequest for the item-related services may be received from the deliveredservice widget. The services request may include information related toan item available for purchase and information related to a user of theuser browser making the services request. In response to an analysis ofthe information related to the item available for purchase, anindication may be received from the network of the enterprise that theitem available for purchase meets a purchase threshold of theenterprise. An authentication token may be fetched from the clientbackend system. Upon confirmation that the fetched authentication tokenis valid for the client backend system, the services request may bedelivered to an enterprise evaluation server. An evaluation resultincluding parameters of the item-related services with respect to theitem available for purchase may be received from the enterpriseevaluation server. A confirmation message may be transmitted to theclient backend in response to receiving the evaluation result from theenterprise evaluation server. The confirmation message may confirm theenterprise will provide the item-related services.

An example system that includes a composite repository, a communicationsinterface, a services authorization component, and a servicesnotification component is also disclosed. The composite repository ofthe system stores a number of service widgets. Each service widget ofthe plurality of service widgets is operable to collect data from a userbrowser and provide the data collected from the user browser to anenterprise evaluation server. The communications interface is coupled toa network operated by a third-party. The services authorizationcomponent may be coupled via the communications interface to the networkoperated by the third-party, a user browser and an enterprise evaluationserver. The service authorization component receives user data from aservice widget executing with the user browser, which accesses theservices authorization component via the communication interface. Theservices notification component may be coupled to the user browser andthe communications interface.

Also disclosed is an example of a non-transitory computer-readablestorage medium storing computer-readable program code executable by aprocessor. When the computer-readable program code is executed by aprocessor, the processor may receive, via a dedicated network entrypoint, a widget delivery request for delivery of a service widget to auser browser. The widget delivery request is for a widget that enables aspecific service to be provided by an enterprise. In response to thewidget delivery request, the processor may deliver the service widget toa client backend system. The processor may receive from the servicewidget via the user browser a services request for item-relatedservices. The services request may include information related to anitem available for purchase and information related to an individualrequesting the item-related services. An evaluation result from theenterprise evaluation server may be received in response to sending theservices request to an enterprise evaluation server. The evaluationresult may include parameters for an offer of services to the individualwith respect to the item available for purchase. In response toreceiving an evaluation result from the enterprise evaluation server, aconfirmation message that confirms that the enterprise will provideitem-related services to the individual may be transmitted to the clientbackend system. The evaluation result may be delivered to the userbrowser for presentation of the evaluation result.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 illustrates an example of an interactive system that buildswidgets and supplies the widgets for use according to the disclosedexamples.

FIG. 2 illustrates an example of a system utilizing a data collectionand service delivery component to implement an example of a widget buildprocess.

FIG. 3 illustrates an example of a flowchart of an interactive processthat obtains and utilizes a widget to receive services.

FIG. 4 shows an example of a third-party website and examples of modulesused to construct data collection containers dynamically built accordingto examples of the processes and systems described herein.

FIG. 5 illustrates an example of a flowchart of a process forconstructing a widget utilizing universal modules.

FIGS. 6A-C illustrate examples of apparatuses suitable for implementingvarious examples as described in the examples of FIGS. 1-5.

FIG. 7 illustrates an exemplary computing architecture suitable forimplementing the various examples described with respect to FIGS. 1-6C.

DETAILED DESCRIPTION

To build trust between a user and an entity, it would be beneficial todevelop a tool and techniques that enable an entity web developer tocreate a widget that can support dynamic customer data input andpresentation flow of a widget and integration of the widget throughsimplified backend and customer-facing processes throughout a data inputand a service provision process. Simple and successful widgetintegration provides confidence in data security and integrity to allinvolved parties. In the examples, a widget may be a computerapplication with limited functionality that can be installed to awebpage and executed within the webpage by an end user. A widget mayhave a role as a transient or auxiliary application that occupies aportion of a webpage and does something useful with information obtainedfrom the end user and information fetched from other websites orservices. The obtained and fetched information may be rendered in aportion of the webpage.

The disclosed examples provide a solution to the foregoing problems byallowing each entity (e.g. a third party in some examples) to have theircustom experience flow (also referred to as data input and presentationflow) depending on their preferences for a user experience. Thedisclosed examples provide techniques and systems that may enable awebsite developer to generate a widget the provides a process forproviding a service, such as a prequalification process for an auto loanto purchase a vehicle, a patient check-in process in an online medicalenvironment, a settlement process in a real estate environment, or thelike. Standardizing and simplifying the respective example processesenable accelerating the use of the respective website and widgets byusers. The provided techniques and systems have many practicalapplications for use by different third-parties and enterprises. Thethird-party may desire to provide widgets on their website that areaesthetically appealing when opened by a user and have a familiartransition through various screens of the widget. In addition, thewidget provides data integrity and data security aspects duringinteraction with an enterprise that provides a service to the thirdparty and a user of the third-party website via the widget.

For example, in an automobile dealer example, a dealer may benefit fromservices enabled by an independent financial services enterprise forqualifying or prequalifying a customer via the dealer website forfinancing of a vehicle provided by the dealer. The use of a dealerwebsite with a customized, enterprise-supported widget may contribute todealership growth by improving the user experience and by driving morepotential users to dealer websites. The customized enterprise supportedwidget may be configured specific to the dealer requests to provide aflow and aesthetic that is seamless for the customer. For example,dealer websites require support and an ability to construct andintegrate widgets into the dealership's website that seamlessly guidecustomers through the web site and provide a satisfying user experiencethat includes the user's experience with the widget. The experience forone dealer may be different for another dealer, and thus it may bechallenging and not scalable for a service provider supporting thewidget to support such custom experiences for tens, hundreds, thousands,etc. of dealer websites. The example techniques enable a serviceprovider to provide or support a custom widget for each dealer websitein an improved, scalable way. The automobile dealer and financialservices provider example is but one example of a practical applicationof the techniques, apparatuses, and systems that are described withreference to FIGS. 1-7.

FIG. 1 illustrates an example of an interactive system that buildswidgets and supplies the widgets for use according to the disclosedexamples. The interactive system 100 may include multiple other systems,such as a third-party network 110, at least one user device 120, a datanetwork 160, and an enterprise network 130.

The third-party network 110 may include a client backend device 113 thatis coupled to a client device 119. The client backend device 113 may becoupled to an item database 112 and a data storage 115. The itemdatabase 112 may contain, for example, items, such as items 7, availablevia the third-party network 110. The items 7 may be items available forpurchase, items available for borrowing or the like. The data storage115 may store, for example, a master version of a third-party website117, security-related information, such as an authentication token(i.e., “token”) 116, as well as other information, such user log-ininformation or the like.

The client backend device 113 is coupled to a data storage 115 and anitem database 112. The data storage 115 stores, for example, theauthentication token 116 for the client backend device 113 and thewebsite 117 as well as other information and data. The client backenddevice 113 may host the third-party website 117 that is stored in thedata storage 115. The website may be populated with items for purchaseor presentation from the item database 112. Items 7 may be items forpurchase, such as automobiles, collectibles, real estate, jewelry,groceries, or the like, or may be high-value items to borrow that mayrequire collateral, for example, to permit the borrowing.

The client device 119 may enable third-party network 110 web developersto utilize the widget building capabilities provided by the enterprisenetwork 130 as explained in more detail below. In addition, oralternatively, the client device 119 may enable a user, such as athird-party network administrator, for example, to access informationwithin the third-party-network 110 and interact with the enterprisenetwork. Similarly, the third-party website 117 may connect via a widgetpopup window button (shown in another example) to the enterprise network130. For example, the third-party website 117 may access services orinformation in a platform or component, such as the serviceauthorization component 133, within the enterprise network 130 to call aservice widget 124 (also referred to as a data collection widget inother examples). To allow access to the enterprise network 130, theenterprise network 130 may authenticate the client device via anauthentication process, such as OAuth or the like. One of the benefitsof authentication is that it enables scalability and is a first step insecurity.

Correctly identifying and authenticating third-party sites calling aplatform or component in the enterprise network 130 is germane toscalability and security purposes. For example, most third-party clientbackend devices 113 and the third-party website 117 may need to“onboard” (e.g., provide verifiable credentials and fulfill securityrequirements in exchange for the authentication token) with theenterprise network 130. The authentication token 116 may containinformation identifying the third party, who is the entity responsiblefor the third-party network 110, and that may be sent for each call tothe enterprise network 130. For example, the authentication token 116may be evaluated to either grant or invalidate the client associatedwith the third party by a backend layer (not shown) of the enterprisenetwork 130 via configuration information stored in an internal databasewithin memory 188, on the frontend layer (not shown) of the enterprisenetwork 130 by whitelisting domains that can fetch the widget from thecomposite repository 138, or by some other technique. For example,whitelisting (i.e., explicitly allowing access by a known and trustedentity) of the third-party website 117, for example, may be beneficialbecause it serves as a first layer of defense by preventing sites thatdo not comply with the platform (not shown) standards of the enterprisenetwork from displaying the widget on a user browser 123.

The user device 120 may include a user browser 123 and, in some examplesas explained with reference to other examples, a delivered serviceswidget 125. For example, the user browser 123 of the user device 120 mayhost the delivered services widget 125. In some examples, the serviceswidget 125 may be a JavaScript file or the like that containsprogramming code. When the programming code is executed, the serviceswidget 125 may perform functions such as those described in more detailwith reference to the example of FIG. 5.

The data network 160 may be the internet, a cellular network or anotherdata network that enables connection of devices, such as the userbrowser 123 client backend device 113, and the enterprise network 130,to one another.

The enterprise network 130 may include several components, such as acomposite repository 138, a pipeline processing component 175, a modulerepository 173, a communication interface 131, a services authorizationcomponent 133, a services notification component 135, an applicationprogram interface (API) gateway 136, an enterprise evaluation server137, a memory 188, and an enterprise authentication server 132. Theenterprise network 130 may optionally include a monitoring component 145operable to monitor activities of users of a services widget. Forexample, the monitoring component 145 may collect metrics related to theuser behavior from the monitored activities; and store the collectedmetrics in a data storage, such as memory 188.

The communications interface 131 may be coupled to the third-partynetwork 110 via a dedicated network entry point 134. The dedicatednetwork entry point 134 may be, for example, a single network entrypoint through which devices external to the enterprise network 130 maycommunicate with and access the systems and components of the enterprisenetwork 130, such as the composite repository 138, the servicesauthorization component 133, services notification component 135, or theenterprise evaluation server 137. In some examples, the dedicatednetwork entry point 134 may be implemented as a proxy layer whichcontrols the data that can be requested by a third-party website forsecurity purposes. The proxy layer may filter personal data to create asecure interface to communicate personal customer data with otherparties. The proxy layer implemented the dedicated network entry point134 may be a single point for any dealer site to call for sending andreceiving data to the backend platform. This single point creates aseamless, simple, and scalable method for submitting prequalificationapplications to be processed by an enterprise network 130, for example.The proxy layer can fetch application information, decision offers for acustomer, and process vehicle pricing information to service anycustomer's flow through the prequalification process. Alternatively, thededicated network entry point 134 may be several highly secured entrypoints to prevent unauthorized access to the enterprise network 130.

The API gateway 136 may be a component that similarly functions as asingle point of entry for services provided by the enterprise evaluationserver 137 and among other functions may provide protocol translationsto enable clients to make use of multiple different APIs. The APIgateway 136 may, for example, be coupled to the services authorizationcomponent 133, the services notification component 135, and theenterprise evaluation server 137.

The composite repository 138 may store a number of service widgets 139.Each service widget, such as service widget 124, of the number ofservice widgets 139 may be operable to collect data from the userbrowser 123 and provide the collected data to an enterprise evaluationserver 137 for evaluation and processing (examples of which aredescribed with reference to examples of FIGS. 4 and 5).

The services notification component 135 may be coupled to the userbrowser 123 via the communications interface 131 and providenotifications to the client backend device 113, the user browser 123,the delivered services widget 125 as well as components and systemswithin the enterprise network 130, such as the pipeline processingcomponent 175.

The services authorization component 133 may be coupled via thecommunication interface 131 to the third-party network 110 and the userbrowser 123. In addition, the services authorization component 133 maybe coupled via the API gateway and an enterprise evaluation server. Insome examples, the service authorization component 133 may receive userdata from a delivered service widget 125 executing in the user browser123. For example, the delivered services widget 125 may access theservices authorization component 133 via a dedicated network entry point134 of the communication interface 131 for the enterprise network 130.

In an operational example, the user browser 123 may access a website 117offered by the third-party network 110 available through the datanetwork 160. A user may review via the user browser 123 an itemavailable for purchase through the client backend device 113 ofthird-party network 110.

Continuing with the example, the user via the user browser 123 mayinteract with the website provided by the third-party network 110. Theuser browser 123 may, in response to inputs to the website provided bythe third-party, may send a widget delivery request to the enterprisenetwork 130 for a services widget. The communication interface 131 mayforward the request to the composite repository 138. The compositerepository 138 may, in some examples, include a processor or controllerthat is responsive to received requests. The composite repository 138may receive a widget delivery request for delivery of the service widgetto the user browser 123. For example, the widget delivery request may bea request for a specific service provided by the enterprise via theenterprise network 130. In some embodiments, the specific service may bea process for prequalifying a user for lender financing for purchase ofan item (e.g., a vehicle). The widget delivery request, in someexamples, may also include information related to an item available forpurchase through the third-party network 110 as well as informationusable to deliver a widget, such as an address of the user device 120 onthe data network 160. The composite repository 138 may, in response tothe widget delivery request, obtain a copy of the service widget 124 ofthe service widgets 139 and deliver the copy of the services widget 124to the user browser 123. The delivered services widget 125 may includeprogramming code that executes within a website, such as a website 117,executed by user browser 123. The website 117 may have multiple webpagesas is known in the art.

In some examples, typically when a widget executes on a website, thewebsite makes calls directly to the enterprise network 130, which maycause problems because the styling requirements and authorizations forusing the enterprise network 130 may be different from one website tothe next website. This may result in data being unsecured in someinstances. In an example, a method to secure data is by not sending thedata through the website as a proxy, but by having service widget makethe calls to the enterprise network. The presence of the deliveredservice widget 125 improves the security of the website, and the userdata transmitted to the enterprise network and to the enterprise network130. To provide the improved functionality for the service widget 125,the website host, such as the client backend device 113 of thethird-party network 110 may provide an endpoint address that enables theabove-mentioned authentication process, such as OAuth, of the enterprisenetwork 130 to verify the token 116 of the website.

In some examples, the enterprise network 130 may include additionalcomponents, such as a module repository 173 and a pipeline processingcomponent 175. The module repository 173 may store a number of universalmodules (shown in another example) that are programming code routinesthat each perform a specific function and are combinable to provide auser experience for collecting data and providing a service. Thepipeline processing component 175 may be coupled to the modulerepository 173 and the composite repository 138. The pipeline processingcomponent 175 may be operable to execute programming code stored in amemory (shown in another example).

The components of the enterprise network 130 may perform differentfunctions and operations at different times. An example of the differentfunctions and operations may be described with reference to FIGS. 2 and3.

FIG. 2 illustrates an example of a system utilizing a data collectionand service delivery component to implement an example of a widget buildprocess. The example build process may construct a service widget, suchas 124 or 125 of FIG. 1, for collecting data via a user device. Forexample, the system 200 may be used to build a service widget that isdeliverable to a website hosted by a client backend. The system 200 mayinclude an enterprise data collection and service delivery system 201, anetwork 240, a client backend 253, and a user device 260. The enterprisedata collection and service delivery system 201, the user device 260 andthe client backend 253 may be coupled to the network 240. The network240 may be a data network, such as a cellular network or the internet,or a number of interconnected data networks (e.g., a cellular networkcoupled to the internet or another network), or the like.

The user device 260 may include a user browser 266 that may beconfigured to access a website (e.g., 117 of FIG. 1 or the like) hostedby the client backend 253.

The enterprise data collection and service delivery system 201 mayinclude a module repository 210, a pipeline processing component 220, amemory 223, and a composite repository 230.

The pipeline processing component 220 may also be coupled to the memory223, the module repository 210, and the composite repository 230 of theenterprise data collection and service delivery system 201. The pipelineprocessing component 220 may be operable to execute the programming codestored in the memory 223 to perform different functions.

The module repository 210 may be operable to store a multitude ofuniversal modules, such as 211-216. Each universal module 211-216 mayinclude computer application code for rendering information on adisplay, data fields for storing data, and a data summary page of datarequirements for the respective universal module. For example, personaluniversal module 211, employment universal module 212, payment universalmodule 213, verification universal module 214, products universal module215, and other universal modules 216, such as a pricing module or thelike, may each include computer application code specific to particulardata to be collected and how the data may be processed. For example, thepersonal universal module 211 may encrypt all data input to the datafields for storing data, while the products universal module 215 may notperform any encryption.

In another example, the verification universal module 214 may beoperable to extract data from the personal universal module 211 and theresidence universal module 213 and process the extracted data accordingto the computer application code included in the verification universalmodule 214. The extracted data may, for example, be used when combiningthe respective universal modules, such as of the personal universalmodule 211, the residence universal module 213, and the verificationuniversal module 214, in a container, such as data collection container232, the data summary pages of each respective module is analyzed toverify or confirm that the data needed by the respective universalmodules is provided.

Additional details related to the respective universal modules 211-216are provided in the following examples with reference to FIGS. 3-5. Forease of discussion and illustration only six universal modules 211-216are shown, but it should be understood that there may be many differentuniversal modules, such as those classified under “other” in otheruniversal modules 216, that perform different functions and collectand/or process various forms of data and information to provide servicesto a user via the client backend 253, a user browser 266, or the like.For example, each of the universal modules 211-216 may be customizedusing style pages and/or other programming to customize the presentationof the widget on a graphical user interface (GUI) 268 of the userbrowser 266 and the collection of data via the GUI 268. The user browser266 and GUI 268 may respectively be any compatible browser, andgraphical user interface known in the art or may be custom softwarecomponents built to provide known browser and GUI functions.

The composite repository 230 may store a number of data collectioncontainers, such as data collection containers 231 and 232. Each datacollection container 231 or 232 may be a logical data storage of a datastorage device with each data collection container potentially includingtwo or more selected universal modules from the many universal modulesin the module repository 210 that may be customized into customcomponents and coupled together to form a data collection component,such as 235, 237 and 234 and 236. The custom components may be, forexample, a custom prequalification (prequal) component 235, customtrade-in component 237, and each custom component may include computerapplication code that enables, among other functions, the collection ofdata related respectively to prequalifying a user for a loan (e.g., 235and 234) or providing a value for an item that is to be traded-in (e.g.,236 and 237) to the third party. The respective data collectioncontainers 231 and 232 may be coupled together to produce a widget, suchas a customized data collection widget 239 that, for example, collectsdata for prequalifying a user for a loan, such as an automobile loan,and for data related to an item for trade-in, such as an automobile orthe like. The customized data collection widget 239 may be presented viaa modal dialog box in a website in a graphical user interface 268 of auser browser 266.

The enterprise data collection and service delivery system 201 may becoupled to the network 240 that may be coupled to client backend 253 aswell as to user device 260 via the user browser 266. Data may beprovided by the user device 260 to the enterprise data collection andservice delivery system 201 via the graphical user interface 268 anduser browser 266, and vice versa.

In an example, the system 200 illustrated in FIG. 2 may be used toenable a client, such as a financial entity, to provide loanprequalification services to a user. It may be beneficial to describe anoperational example with reference to FIGS. 2 and 3 of a process bywhich the respective data collection containers and the customized datacollection widget 239 in the composite repository 230 may be built fromthe universal modules in the module repository 210.

In the example, each custom component 234-237 may have its own buildprocess which may be started by a root build from a universal module211-216 stored in the module repository 210. In more detail, universalmodules 213-216 may be combined to form a data collection container,such as 231 and 232, that may perform a specific function (which mayinclude multiple steps). The specific functions may be realized byexecution of programming code, such as JavaScript or the like. Toperform multiple functions, the data collection containers may becombined to form a customized data collection widget, such as 239. Thecustomized data collection widget 239 may be stored as a service widgetin the composite repository 230.

After a build of a widget is completed, JavaScript files, for example,for each custom component 234-237 may be generated and may be importedas a NodeJS dependency for each build of a data collection container 231or 232 and a subsequently a separate widget, such as customized datacollection widget 239 that provides a custom experience as requested byan external party via the user device 260.

The pipeline processing component 220 may, for example, receive aselection of several universal modules for inclusion in a widget to bepresented on a website (310). In an example, each respective universalmodule of the several selected universal modules may include executableprogramming code that causes rendering of user-fillable data fields andpresentation elements in a graphical user interface on a display devicerelated to the rendering of the fillable data fields, and a data summarypage that may include data requirements of the respective universalmodule.

In the operational example, the pipeline processing component 220 mayperform functions, such as selecting a first universal module from theplurality of universal modules stored in the module repository. Theselected first universal module may be, for example, the personaluniversal module 211, which may be configured to obtain first data(e.g., personal information such as user name, date of birth, governmentidentifier number or the like) from a user interface, such as graphicaluser interface 268. Upon selection of a first universal module from thenumber of universal modules, a second universal module may be selectedfrom the number of universal modules stored in the module repository.The selected second universal module may be configured or operable toobtain second data (e.g., trade-in information, residence information,income information, or the like) from the user interface.

The customized data collection widget 239 may be created usingJavaScript or any programming language that compiles to JavaScript. Eachcustomized data collection widget 239 may have a potentially unique datainput and presentation flow as built using the pipeline processingcomponent 220. The customization available for producing the customizeddata collection widget 239 allows for the creation of a scalable,integrable, reusable, and isolated user interface, such as 268.

A data input and presentation flow may be requested by a third-partywebsite as part of their onboarding process to the platform. Forexample, the third-party, such as an automobile dealership, may want anautomobile dealership website to have a predetermined data input andpresentation flow. The predetermined data input and presentation flowmay be defined by a set of and a presentation order of screens to bewithin a modal window by the widget to a customer as they flow throughthe prequalification process. For example, one automobile dealership maywant users to be first presented with a page for an input for name,social security number, and date of birth, followed by a screen to enteran address and previous residence information. Another third party, oranother entity that is using enterprise widgets, may want to customer toenter employment information before processing to the screen withaddress information. Modular components (such as employment universalmodule 212 or personal universal module 211) support the build pipelineprovided by the pipeline processing component 220 that generates thecorrect flow requested by third party websites via a determined order ofcomponents.

The capability to evaluate the data dependencies between the universalmodules (e.g., 211-216) allows for the creation of a widget usingJavaScript having a predetermined and customized data input andpresentation flow that enhances a user's “user experience” with thecustomized data collection widget 239. In the automobile dealer example,preventing a disconnect between a prequalification data input andpresentation flow and other data input and presentation flows on anautomobile dealer website drives the deployment pipeline of the widget.Each data input and presentation flow, such as a prequalification datainput and presentation flow, may have a defined build process in whichthe pipeline processing component 220 aggregates the respectiveuniversal modules 213-216 or containers 231 or 232 to build a widgethave the respective data input and presentation flow desired by theautomobile dealer. The pipeline processing component 220 may combine therespective universal modules or containers into a single JavaScriptwidget file based on the evaluation of the data dependencies ofrespective universal modules of the widget gleaned from the data summarypages of the respective universal modules. Any changes to a container ora universal module may result in a new build that dynamically updatesthe widget that client dealer sites will fetch. The pipeline processingcomponent 220 may create updated or new widget files for each data inputand presentation flow and uploads the updated or new widget files to acentralized location, such as the composite repository 230, for requestby and download to the third-party website presented on a graphical userinterface, such as 268.

Each respective universal module of the several selected universalmodules includes a data summary page. A data summary page may includedata requirements of the respective universal module, and may, forexample, be used to identify data dependencies between respectiveuniversal modules. The selected several universal modules may beretrieved (320) from the module repository 210.

The selected several universal modules may be combined in a customizeddata collection container (330) based on the data requirements in thedata summary page of each respective universal module. The customizeddata collection container may be uniquely identified by a datacollection container identifier. For example, the pipeline processingcomponent 220 may analyze the respective data summary pages of each ofthe selected several universal modules to identify data dependencies.Based on the identified data dependencies being valid, the pipelineprocessing component 220 may couple the selected second universal moduleto the selected first universal module to form a first set of coupledmodules in a customized data collection widget. The executableprogramming code of the customized data collection widget may bemodified based on data requirements in each of the respective datasummary pages of the selected several universal modules in thecustomized data collection container and/or other universal modules inthe one or more other data collection containers.

Alternatively, in another example, a first selected universal module,such as personal universal module 211, may be operable to submit thedata summary page of the first selected module to a second selectedmodule, such as employment universal module 212, for preliminaryvalidation by the second selected module. For example, the submitteddata summary page may be used to identify data dependencies between thefirst selected universal module and the second selected universalmodule. The second selected universal module may be operable, uponreceipt of the data summary page of the first selected module, toevaluate the data summary page of the first selected module to confirmthat any data obtained via the data fields presented by the firstselected module is valid. If valid, the selected second universal modulemay cause the rendering of the data input and presentation flow of thesecond universal module in the graphical user interface.

The selected several universal modules may be coupled into the first setof coupled universal modules. Upon coupling the selected severaluniversal modules into a first set of coupled universal modules based onthe identified data dependencies from the respective data summary pagesof the selected several universal modules, a uniquely-identified andcustomized data collection container, such as 231 or 232, may bepopulated with the first set of coupled universal modules, such as 235and 237 in data collection container 231 and 234 and 236 in datacollection container 232. A unique identifier for a data collectioncontainer may be formed from a unique sequence of bits, alphanumericcharacters or the like. As such, the data collection container, e.g.,231 may include the first set of coupled modules, that respectivelyprovide the custom prequalification (“prequal”) component 235 and customtrade-in component 237 of data collection container 231. Theuniquely-identified, customized data collection container populated withthe first set of coupled universal modules may be stored in thecomposite repository 230 with a plurality of other data collectioncontainers (340). In the examples, each of the one or more universalmodules that collect data different from data collected by the selectedseveral universal modules in the first set of couple universal modulesstored in the customized data collection container.

As process 300 proceeds, the customized data collection container andone or more other data collection containers may be selected, at 350,from other data collection containers in the composite repository 230 oranother data storage (not shown). In some examples, each of the one ormore other data collection containers includes universal modules thatcollect data that is different from the data collected by the severalcombined universal modules in the customized data collection container.Alternatively, each of the one or more other data collection containersfrom the plurality of other data collection containers may include oneor more universal modules that collect data different from one another,and that is different from the data collected by the selected severaluniversal modules in the customized data collection container.

The selected customized data collection container and the selected oneor more other data collection containers may be combined to form acustomized data collection widget (360).

The production of the customized data collection widget by combining theselected customized data collection container and the selected ones ofthe data collection containers may include additional steps within theprocess 300. Additional steps may include, for example, identifying aclient style for each of the selected several universal modules in thecustomized data collection container. Furthermore, the identified clientstyle may be based on an input from a third party, such as a user viathe graphical user interface 268 of user device 260. For example, auniversal style may be identified for each of the selected severaluniversal modules in the customized data collection container. In thisexample, the identified universal style may be based on the dataobtained by each respective universal module of the selected severaluniversal modules. The identified client style and identified universalstyle may be compiled as presentation elements into the executable codestored in each of the selected several universal modules in thecustomized data collection container. For example, the identified clientstyle elements and the identified universal style elements may provideprogramming code that builds a website widget having an appearanceexclusive to the customized data collection widget.

Alternatively, or in addition, the combining of selected customized datacollection container having the combined selected several universalmodules and the one or more other data collection containers to form thecustomized data collection widget may include one or more validationsteps. For example, each of the selected several universal modules maybe validated based on a comparison to the data summary page included ineach of the selected several universal modules. Upon successfulvalidation of the selected several universal modules, the data to becollected by the customized data collection widget may be furthervalidated based on a comparison to a data contract related to a serviceassociated with the customized data collection widget. In an automobilepurchase example, a prequalification process may have certain data thatis required to meet minimum standards for evaluating creditworthinessand ultimately extending the offer of an automobile loan. Aprequalification data contract may outline the certain data required tomeet the minimum standards.

In a further example, in response to a successful validation based onresults of the comparison of the data to be collected by the customizeddata collection widget to the data contract, an indication may begenerated that indicates to a recipient (e.g., the pipeline processingcomponent, the client backend, user browser or the like) that thecustomized collection widget is suitable for distribution to the thirdparty that sent the received selection of the several universal modules.The pipeline processing component 220 may assign a unique identifier tothe customized data collection widget to identify the customized datacollection widget from other widgets stored in the composite repository230.

In another example, the pipeline processing component 220 may performfunctions in response to a request to combine (or couple) two or moredata collection containers from the composite repository to provide adata collection widget for delivery to a website associated with theuser interface. In a specific example, the pipeline processing component220 may, prior to completing the combining (or coupling) of the firstselected universal module with the second selected universal module,validate the first selected universal module by comparing the dataobtained by the first selected universal module with the data collectionrequirements in the data summary page of the first selected universalmodule. In addition, the second selected universal module may bevalidated by comparing the data obtained by the second selecteduniversal module with the data collection requirements in the datasummary page of the second selected universal module.

The pipeline processing component 220, prior to storing the containerpopulated with the first set of coupled universal modules in thecomposite repository, may identify another container stored in thecomposite repository that is to be associated with the customized datacollection container populated with the coupled universal modules. Forexample, the other container may include a second set of coupleduniversal modules operable to obtain data different from the dataobtained by the first set of coupled universal modules. The pipelineprocessing component 220, when coupling the selected second universalmodule to the first universal module to form a first set of coupledmodules, may compile the computer application code in the selected firstuniversal module and the selected second universal module intoexecutable programming code for rendering of the data fields of theselected first universal module and selected second universal module ina website, such as 117 of FIG. 1.

Returning to step 370 of process 300 in FIG. 3, the customized datacollection widget may be delivered to a composite repository 230 forlater delivery to a user for utilization of services provided by thewidget. For example, the customized data collection widget may bedistributed to a uniform resource identifier associated with a websiteof a third-party. The customized data collection widget may be used byother enterprises, such as the third-party that hosts the third-partynetwork 110 of FIG. 1, obtain data from users that may obtain servicesfrom the third party with additional services being provided via thecustomized data collection widgets stored in the composite repository230.

In a specific example of the implementation of the process 300 by, forexample, a car dealer, when a user, who may be a potential car buyer,navigates to a dealer website (e.g., 117), a service widget (thatprovides, for example, a prequalification process and service) isdownloaded in response to an input to the website onto a graphical userinterface of a user browser to render, for example, a prequalificationprocess. The service widget may be downloaded dynamically to the cardealer website because the website executing on a user or client webbrowser may not be enabled to save or cache the JavaScript of theservice widget due to dynamic updating of the service widget toaccommodate enterprise network or client backend changes that may beunfeasible to communicate to every dealer site.

FIG. 4 shows an example of a third-party website and examples of modulesused to construct data collection containers dynamically built accordingto examples of the processes and systems described herein. In theillustrated example, third-party websites may utilize the servicesoffered via the customized data collection widgets stored, for example,in the composite repository 230. For example, a user wishing to purchasean item viewed on a web site of a third party may interact with acustomized data collection widget, such as 239 stored in the compositerepository 230 of FIG. 2 to obtain services related to the item forpurchase and the purchase of the item.

The third-party website 417 may be presented on a user device, such as120 of FIG. 1, and may include areas that selectively render item imagesand details 419 of items for purchase and a modal popup window button418. Selection of the modal popup window button 418 may result in aservice widget (also referred to as a data collection widget), such as443 or 445, being called, delivered and presented in a modal popupwindow 429 or the like on the third-party website 417. In an example,the service widget 443 may be coupled to the modal popup window button418. In response to activation of the modal popup window button 418, thewebsite 417 may be present the service within a modal popup window 429of a graphical user interface of the third-party web site 417. Dependingupon the function or service that is to be provided by the modal popupwindow button 418, either service (data collection) widget 443 or 445may be provided in the modal popup window 429.

In an example, the integration with the third-party website 417 may, forexample, utilize a hypertext markup language (HTML) <div> tag with thecorrect identifier to be added on the website page where necessary and ascript tag added for the loader script. Custom run-time styling of themodal popup window 429 may be supported for any third-party site tomodify the appearance of the widget, such as 443 or 445, and itscomponents as desired by the third-party hosting the website.

In response to a request for delivery of a service widget generated viaactivation of the modal popup window button 418, the service widget 443may be downloaded to a modal popup window on a third-party website 417,such as an automobile dealer website. In some examples, the loading ofthe service widget on the third-party website 417 may be done, forexample, via a bootstrap script that functions as a loader script forfetching the actual service widget file. In this example, it isbeneficial to use the loader script due to the added performance benefitto the rendering time on a customer browser. The delivered (ordistributed) service widget includes executable programming code thatenables rendering of user-fillable data fields on a display device andpresentation elements (e.g., style elements or the like) related to therendering of the user-fillable data fields.

In an example, when integrating with the enterprise network, such as 130of FIG. 1, code within the HTML <div> tag that is populated when thewidget 443 is loading may be an entry point where a user on theautomobile dealer website can begin entering data as part of aprequalification process. After a user has entered their personalinformation and initiated the submit button (e.g., S116), the user'sdata may be encrypted and sent to the enterprise network 130. Forexample, the encrypted user's data may be sent to the servicesauthorization component 133 of the enterprise network 130, which may beoperable to process the encrypted user's data. The user's data may, forexample, be part of a prequalification application and portions of theuser's data may be shared with the third-party website as requested.

The respective service (data collection) widget 443 or 445 may presentdifferent data input options for a user device, such as 120 of FIG. 1.For example, the service (data collection) widget 443 may include twocontainers A and B. Container A may include several coupled universalmodules, such as Personal A101, Employment (Emp.) A102, Residence A103,Verification A104, and Review A105 that collect data related to a userof the user device in a particular order. The data collected bycontainer A may be provided to container B. Container B may includeseveral coupled universal modules, such as Add Item B101, Trade-In B102,and Cash Down Payment B103, that collect data related to an item thatthe user may wish to purchase, trade-in information or cash downpayments in a particular order. After properly inputting the requestedinformation, a user may select the submit button S116, which causes thewidget 443 to forward the inputted information to enterprise network forevaluation and processing. Alternatively, selection of the modal popupwindow button 418 may cause service (data collection) widget 445 to bepresented in the modal popup window 429. In this example, the service(data collection) widget 445 may include two containers C and D.Container C may include several coupled universal modules, such asPersonal C101, Residence C102, and Review C103, that collect datarelated to a user of the user device in a particular order. The datacollected by container C may be provided to container D. Container D mayinclude a several coupled universal modules, such as Trade-In D102 andCash Down Payment D103 that collect data related to trade-in informationor cash down payments in a particular order.

An example of a process for delivering the service widgets 443 or 445 toa user device may be explained with reference to the flowchart of FIG.5. The process 500 illustrated in the example flowchart of FIG. 5 mayinclude a process step (510) of receiving at a component in anenterprise network a widget delivery request for delivery of a service(data collection) widget to a user browser may receive a request from athird-party network. The received widget delivery request may be arequest that includes an identifier of the requested, customized datacollection widget (or service) may for a specific service provided by anenterprise and available by inputting the widget delivery request to adedicated network entry point of a network, such as the enterprisenetwork 130 of FIG. 1. The widget delivery request may be a request fora widget that enables a specific service, such as a prequalificationloan service, an authentication service to be provided by an enterprise,or the like. For example, as explained above with respect to the exampleof FIG. 1, the services authorization component 133 or other enterprisenetwork component may receive the widget delivery request including therequested, customized data collection widget identifier.

The process 500 may proceed in response to the widget delivery request;the service widget may be delivered to the client backend system (520)for loading onto the website. The delivered service widget may beoperable to enable a user browser to request item-related services, suchas loan prequalification, enhanced shipping options, affinity rewards,tax services, or the like.

After receiving the widget at 520, a user may enter their data in thedifferent modules within the widget or retrieves, for example, theirprequalification information from the enterprise network; some or all ofthe prequalification information may be stored in a temporary namespaceto pass data between different modules. Storing the information benefitsperformance and significantly improves the data collection andpresentation flow within the website. Scalability is easier using thedescribed process, as more control is given to the service widget ratherthan placing the burden of extra work on each third-party website. Forexample, the enterprise network may include a proxy layer that filtersany personal information so that no sensitive data is stored on thetemporary namespace when a user retrieves their prequalificationinformation. When a user navigates away from the webpage of the websiteor hits a submit button to exit the data input and presentation flow,any data on the namespace is cleared to prevent information from beingcached or stored on the user's browser.

At 530, a services request may be received from the service widget forthe item-related services. In some examples, the services request mayinclude information related to an item available for purchase. Inadditional examples, the services request may include informationrelated to an item available for purchase and information related to anindividual or a user of the user browser making the services request.For example, in some instances, a user of the user browser may make theservices request on behalf of an individual, such as a client or thelike.

The received services request may be sent to an enterprise evaluationserver for analysis of the information included with the servicesrequest. In an example related to an automobile dealer, data related tothe vehicle available for purchase (e.g., sales price and VehicleIdentification Number (VIN)) may be included in the received servicesrequest and provided to the enterprise evaluation server, such as 137 ofFIG. 1, for processing.

The evaluation enterprise server may generate an evaluation response asa response to the analysis of the information related to the itemavailable for purchase. In response to the analysis (540), an indicationmay be received, such as the evaluation response, from the network ofthe enterprise that the item available for purchase meets a purchasethreshold of the enterprise

An authentication token, such as token 116 of FIG. 1, may be fetchedfrom the client backend system (550). Upon confirmation that the fetchedauthentication token is valid for the client backend system, theservices request is delivered to an enterprise evaluation server (560).In some examples, item information related to an item available forpurchase and user information related to the user making the servicesrequest may be stored in a temporary namespace. In addition todelivering the services request to the enterprise evaluation service,the stored item information and the stored user information may bepassed to the enterprise evaluation server with the delivered servicerequest. In an example, the authentication token may be forwarded withsubstantially all communications from the client back end to theenterprise's network.

An evaluation result may be received from the enterprise evaluationserver (570). The evaluation result may include parameters of theitem-related services with respect to the item available for purchase aswell as other parameters, such as confirmation of enterprise data, e.g.,enterprise address, and individual-provided information, such asresidence information, or the like. Alternatively, or in addition, theparameters may include details related an offer of services, such as, inan automobile loan example, an interest rate, a loan term, loanconditions, or the like, to the individual making the services requestwith respect to the item available for purchase. The details related tothe offer of services may be specific to the user (e.g. based on userspecific qualification information). In response to receiving anevaluation result from the enterprise evaluation server, a confirmationmessage may be transmitted to the client backend (580). The confirmationmessage may confirm that the enterprise will provide the item-relatedservices. The confirmation message may also include terms and conditionsof the items-related services. For example, the customized datacollection widget may be distributed to a uniform resource identifierassociated with the third party. In addition, or alternatively, theevaluation result may be delivered to the user browser for presentationof the evaluation result.

In some examples, the process 500 may also include process steps thatoccur prior to step 510. For example, prior to receiving the widgetdelivery request from the client backend system, receiving at thenetwork of the enterprise an authentication token request from a clientbackend system for an authentication token. In addition to theauthentication token request, the enterprise network 130 may alsoreceive information related to the client backend system and informationrelated to a third party administering the client backend system whereinthe authentication request includes information that uniquely identifiesthe client backend system; and in response to confirming an identity ofthe client backend system, delivering the authentication token to theclient backend system, wherein the authentication token enables theclient backend system to confirm to the network of the enterprise thatthe client backend system is permitted to request services via theenterprise's network.

FIGS. 6A-C illustrate examples of apparatuses suitable for implementingvarious examples as described in the examples of FIGS. 1-5.

The apparatus 600 may include several components, such as the pipelineprocessing component 606, memory 634 and storage device 636. Thepipeline processing component 606 may include several components thatmay perform one or more operations as discussed herein. The pipelineprocessing component 606 includes one or more processor(s) 632, one ormore communication (comm.) interface(s) 638 that may be coupled to amemory 634 and storage device 636. The pipeline processing component 606may also be coupled to input (I/O) devices 610 to enable output to auser device or another component or system of an enterprise network.

In some examples, the pipeline processing component 606 may be aprocessing system that includes one or more servers or computing devicesthat are interconnected via one or more network links, e.g., wired,wireless, fiber, etc. In some instances, the transaction services systemmay be a distributed computing system. Each of the servers may includeone or more processor(s) 632, which may include one or more processingcores to process information and data. Moreover, the one or moreprocessor(s) 632 can include one or more processing devices, such as amicroprocessor manufactured by Intel™ AMD™, or any of variousprocessors. The disclosed examples are not limited to any type ofprocessor(s).

Memory 634 can include one or more memory (volatile or non-volatile)devices configured to store instructions used by the one or moreprocessor(s) 632 to perform one or more operations consistent with thedisclosed examples. For example, memory 634 can be configured with oneor more software instructions, such as programs that can perform one ormore operations when executed by the one or more processor(s) 632.

As mentioned, the pipeline processing component 606 may include one ormore processor(s) 632 and communication interface(s) 638. The pipelineprocessing component 606 may be a processing system that includes one ormore servers or computing devices that are interconnected via one ormore networking links, e.g., wired, wireless, fiber, etc. and is capableof processing information and data from the service provider datasources, activities and external data sources. In some instances, thepipeline processing component 606 may also be a distributed computingsystem. Each component of the distributed computing system may includeone or more processor(s) 632, which may include one or more processingcores to process information and data. Memory 634 can include one ormore memory (volatile or non-volatile) devices configured to storeinstructions used by the one or more processor(s) 632 to perform one ormore operations consistent with the disclosed examples. For example, thememory 634 may store programming code and other computer-readable codethat enables the pipeline processing component 606 to perform operationsand functions as described with reference to the foregoing examples aswell as other operations and functions, such as processing ofinformation, generation of notifications and communicating withcomputing devices.

In examples, the pipeline processing component 606 may be coupled to oneor more storage devices 636. The storage devices 636 may include harddisc drives (HDDs), flash memory devices, optical storage devices,floppy storage devices, or the like. In some instances, the storagedevices 636 may include cloud-based storage devices that may be accessedvia a network interface. In some examples, the storage device 636 may beconfigured to include the module repository 649 and the compositerepository 646.

The module repository 649 may store a number of universal modules suchas those described above with respect to earlier examples. The compositerepository 646 may include one or more data structures and/or adistributed database system. In addition, the composite repository 646may also store one or more service widgets, such as service widget 648,for distribution. Each service widget, such as 648, may include computerapplication code that when executed causes for rendering the data inputfields in a modal window of a browser that is presenting a web sitehosted by a third party and storing the data input into the data inputfields transmitting to a computing device, such as a servicesauthorization component (shown in FIG. 6B), for processing.

The pipeline processing component 606 includes one or more communicationinterface(s) 638. The one or more communication interface(s) 638 caninclude one or more digital and/or analog communication devices thatallow the pipeline processing component 606 communicate with othermachines and devices, such servers and systems related to the servicesprovided by the enterprise service providers. The one or morecommunication interface(s) 638 may communicate via any type ofconnection, e.g., wired, wireless, optical, and so forth. Theseinterfaces 638 may include network adapters and/or modems to communicatewith the systems and/servers of the enterprise service providers.

The services authorization component 660 of apparatus 601 in FIG. 6B mayinclude one or more communication interface(s) 668, one or moreprocessor(s) 662 and be coupled to memory 664 and storage device 669. Inaddition, the services authorization component 660 may also be coupledto input (I/O) devices 661 to enable input from or output to a userdevice or another component or system of an enterprise network.

The structure of the one or more processor(s) 662 may be like that ofone or more processor(s) 632 of FIG. 6A. But, in contrast to thepipeline processing component 606, the services authorization component660 may, upon execution of programming code stored in memory 664, beoperable to fetch an authentication token from a client backend device,such as 113 of FIG. 1, and upon confirmation that the authenticationtoken is valid for the client backend device, the services authorizationcomponent 660 may deliver the services request to an enterpriseevaluation server, such as 137 of FIG. 1. In response to delivering theservices request, the services authorization component 660 may receivean evaluation result from the enterprise evaluation server. The receivedevaluation result may include parameters for an offer of services withrespect to the item available for purchase. In addition, the servicesauthorization component 660 may, in response to receiving an evaluationresult from the enterprise evaluation server, transmit a confirmationmessage to the client backend device. The confirmation message may beinterpreted by the client backend device as a confirmation that theenterprise will provide item-related services.

In addition, the services authorization component 660 may be coupled toa service widget, such as 648 of FIG. 6A that has been delivered to aclient or user browser. In another example, the services authorizationcomponent 660 may be operable to store information identified for aservice requested by the service request in a temporary namespace, suchas in memory 664. The stored information may, for example, be theminimum amount of information needed for evaluation by the enterpriseevaluation server, such as the enterprise evaluation server 137 ofFIG. 1. The services authorization component 660 may further be operableto pass the stored information to the enterprise evaluation server withthe delivered service request.

As shown in FIG. 6C, apparatus 603 may include several components, suchas the services notification component 680, memory 684 and storagedevice 686. In addition, the services notification component 680 mayalso be coupled to input (I/O) devices 681 to enable input from oroutput to a user device or another component or system of an enterprisenetwork. The services notification component 680 may include severalcomponents that may perform one or more operations as discussed herein.For example, the services notification component 680 may include one ormore processor(s) 682 and one or more communication interface(s) 688. Inaddition, the services authorization component 660 may also be coupledto input (I/O) devices 661 to enable output to a user device or anothercomponent or system of an enterprise network.

The one or more processor(s) 682, which may include one or moreprocessing cores to process information and data. Moreover, the one ormore processor(s) 682 can include one or more processing devices, suchas a microprocessor manufactured by Intel™ AMD™, or any of variousprocessors. The disclosed examples are not limited to any type ofprocessor(s).

The one or more communication interface(s) 688 can include one or moredigital and/or analog communication devices that allow the servicesnotification component 680 communicate with other machines and devices,such servers and systems related to the services provided by theenterprise service providers. The one or more communication interface(s)688 may communicate via any type of connection, e.g., wired, wireless,optical, and so forth. These interfaces 688 may include network adaptersand/or modems to communicate with the systems and/servers of theenterprise service providers. The examples are not limited in thismanner. The services notification component 680 may be operable toperform several functions. For example, the services notificationcomponent 680 may receive a services request for item-related servicesfrom a service widget executing on a user browser. The received servicesrequest may include information related to an item available forpurchase. The services notification component 680 may forward theinformation related to the item available for purchase to anothercomputing component or server, such as the enterprise evaluation server137 of FIG. 1. For example, if the item for purchase is an automobile,the services notification component 680 may in response to an analysisof the information related to the item available for purchase via athird-party network, receive an indication that the item available forpurchase meets a purchase threshold of the enterprise. In response toreceipt of the indication that the item available for purchase meets apurchase threshold, the services notification component 680 may forwardthe indication to the third-party network and the client browser. If theanalysis determines that the item available for purchase does not meetthe purchase threshold of the enterprise, the services notificationcomponent 680 may receive a negative indication which may be forwardedto the third-party network and the client browser.

The foregoing examples of an apparatus, such as 600, 601 and 603 arepresented for explanation purposes and are not intended to be limiting.

FIG. 7 illustrates an embodiment of an exemplary computing architecture700 suitable for implementing various examples as previously describedwith respect to FIGS. 1-6C. In one example, the computing architecture700 may be device or element that implements a part of interactivesystem 100. In another example, the computer architecture 700 includescomponents of an enterprise evaluation apparatus as well as othercomponents that may optionally be part of a client backend device.

The computing architecture 700 includes various common computingelements, such as one or more processor(s), multi-core processors,co-processors, memory units, chipsets, controllers, peripherals,interfaces, oscillators, timing devices, video cards, audio cards,multimedia input/output (I/O) components, power supplies, and so forth.The embodiments, however, are not limited to implementation by thecomputing architecture 700.

As shown in FIG. 7, the computing architecture 700 includes a processingunit 704, a system memory 706 and a system bus 703. The processing unit704 can be any of various commercially available processors. Forexample, the third-party network 110 components, such as client backenddevice 113, client device 119 and user device 120 of FIG. 1 mayincorporate one or more of the components of the computer architecture700, such as the processing unit 704, the system memory 706 and so on.Other components, such as the keyboard 738 and the mouse 740, may beomitted in some examples of components, such as the enterpriseevaluation server 137 of FIG. 1.

The system bus 703 provides an interface for system componentsincluding, but not limited to, the system memory 706 to the processingunit 704. The system bus 703 can be any of several types of busstructure that may further interconnect to a memory bus (with or withouta memory controller), a peripheral bus, and a local bus using any of avariety of commercially available bus architectures. Interface adaptersmay connect to the system bus 703 via a slot architecture. Example slotarchitectures may include without limitation Accelerated Graphics Port(AGP), Card Bus, (Extended) Industry Standard Architecture ((E)ISA),Micro Channel Architecture (MCA), NuBus, Peripheral ComponentInterconnect (Extended) (PCI(X)), PCI Express, Personal Computer MemoryCard International Association (PCMCIA), and the like.

The computing architecture 700 may include or implement various articlesof manufacture. An article of manufacture may include a non-transientcomputer-readable storage medium to store logic. Examples of acomputer-readable storage medium may include any tangible media capableof storing electronic data, including volatile memory or non-volatilememory, removable or non-removable memory, erasable or non-erasablememory, writeable or re-writeable memory, and so forth. Examples oflogic may include executable computer program instructions implementedusing any suitable type of code, such as source code, compiled code,interpreted code, executable code, static code, dynamic code,object-oriented code, visual code, and the like. Examples may also be atleast partly implemented as instructions contained in or on anon-transitory computer-readable medium, which may be read and executedby one or more processor(s) to enable performance of the operationsdescribed herein.

The system memory 706 may include various types of computer-readablestorage media in the form of one or more higher speed memory units, suchas read-only memory (ROM), random-access memory (RAM), dynamic RAM(DRAM), Double-Data-Rate DRAM (DDRAM), synchronous DRAM (SDRAM), staticRAM (SRAM), programmable ROM (PROM), erasable programmable ROM (EPROM),electrically erasable programmable ROM (EEPROM), flash memory, polymermemory such as ferroelectric polymer memory, ovonic memory, phase changeor ferroelectric memory, silicon-oxide-nitride-oxide-silicon (SONOS)memory, magnetic or optical cards, an array of devices such as RedundantArray of Independent Disks (RAID) drives, solid state memory devices(e.g., USB memory, solid state drives (SSD) and any other type ofstorage media suitable for storing information. In the example shown inFIG. 7, the system memory 706 can include non-volatile memory 710 and/orvolatile memory 712. A basic input/output system (BIOS) can be stored inthe non-volatile memory 710.

The computer 702 may include various types of computer-readable storagemedia in the form of one or more lower speed memory units, including aninternal hard disk drive (HDD) 714 or external HDD 716, and an opticaldisk drive 720 to read from or write to a removable optical disk 722(e.g., a CD-ROM or DVD). The internal HDD 714 and optical disk drive 720can be connected to the system bus 703 by an HDD interface 724 and anoptical drive interface 728, respectively. The HDD interface 724 forexternal drive implementations can include at least one or both ofUniversal Serial Bus (USB) and IEEE 1394 interface technologies.

The drives and associated computer-readable media provide volatileand/or nonvolatile storage of data, data structures, computer-executableinstructions, and so forth. For example, several program modules can bestored in the drives and memories 710, 712, including an operatingsystem 730, one or more application programs 732, other program modules734, and program data 736. In one embodiment, the one or moreapplication programs 732, other program modules 734, and program data736 can include, for example, the various applications and/or componentsof the computer architecture 700.

In an example, a user can enter commands and information into thecomputer 702 through one or more wire/wireless input devices, forexample, a keyboard 738 and a pointing device, such as a mouse 740.Other input devices may include microphones, infra-red (IR) remotecontrols, radio-frequency (RF) remote controls, game pads, stylus pens,card readers, dongles, finger print readers, gloves, graphics tablets,joysticks, keyboards, retina readers, touch screens (e.g., capacitive,resistive, etc.), trackballs, track pads, sensors, styluses, and thelike. These and other input devices are often connected to theprocessing unit 704 through an input device interface 742 that iscoupled to the system bus 703 but can be connected by other interfacessuch as a parallel port, IEEE 1394 serial port, a game port, a USB port,an IR interface, and so forth.

A display device 744 or another type of display device (e.g. monitor)may be also connected to the system bus 703 via an interface, such as avideo adaptor 746. The display device 744 may be internal or external tothe computer 702. In addition to display device 744, a computertypically includes other peripheral output devices, such as speakers,printers, and so forth. In some examples of an enterprise evaluationserver and the like, a display device or the other peripheral outputdevices may be optional.

The computer 702 may operate in a networked environment using logicalconnections via wire and/or wireless communications to one or moreremote computers, such as a remote computer 748. The remote computer 748can be a workstation, a server computer, a router, a personal computer,portable computer, microprocessor-based entertainment appliance, a peerdevice or other common network node, and typically includes many or allthe elements described relative to the computer 702, although, forpurposes of brevity, only a remote memory/storage device 750 isillustrated. The logical connections depicted include wire/wirelessconnectivity to a local area network (LAN) 752 and/or larger networks,for example, a wide area network (WAN) 754. Such LAN and WAN networkingenvironments are commonplace in offices and companies and facilitateenterprise-wide computer networks, such as intranets, all of which mayconnect to a global communications network, for example, the Internet.

When used in a LAN networking environment, the computer 702 is connectedto the LAN 752 through a communication interface 756 that may be eitherwired and/or wireless. The communication interface 756 can facilitatewired and/or wireless communications to the LAN 752, which may alsoinclude a wireless access point disposed thereon for communicating withthe wireless functionality of the communication interface 756.

When used in a WAN networking environment, the computer 702 can includea modem 758, or is connected to a communications server on the WAN 754or has other means for establishing communications over the WAN 754,such as by way of the Internet. The modem 758, which can be internal orexternal and a wire and/or wireless device, connects to the system bus703 via the input device interface 742. In a networked environment,program modules depicted relative to the computer 702, or portionsthereof, can be stored in the remote memory/storage device 750. It willbe appreciated that the network connections shown are exemplary andother means of establishing a communications link between the computerscan be used.

The computer 702 is operable to communicate with wire and wirelessdevices or entities using the IEEE 802 family of standards, such aswireless devices operatively disposed in wireless communication (e.g.,IEEE 802.11 over-the-air modulation techniques). This includes at leastWi-Fi (or Wireless Fidelity), WiMax, and Bluetooth™ wirelesstechnologies, among others. Thus, the communication can be a predefinedstructure as with a conventional network or simply an ad hoccommunication between at least two devices. Wi-Fi networks use radiotechnologies called IEEE 802.11x (a, b, g, n, etc.) to provide secure,reliable, fast wireless connectivity. A Wi-Fi network can be used toconnect computers to each other, to the Internet, and to wire networks(which use IEEE 802.3-related media and functions).

In some examples, the processing unit 704 of computer 702 may beoperable to execute programming code stored in the system memory 706 orthe internal HHD 714. The programming code may cause the processing unit704 to perform functions as part of a process.

The various elements of the devices, apparatuses or systems aspreviously described with reference to FIGS. 1, 2, 4, 6A-C and 7 mayinclude various hardware elements, software elements, or a combinationof both. Examples of hardware elements may include structural members,logic devices, components, processors, microprocessors, circuits,processors, circuit elements (e.g., transistors, resistors, capacitors,inductors, and so forth), integrated circuits, application specificintegrated circuits (ASIC), programmable logic devices (PLD), digitalsignal processors (DSP), field programmable gate array (FPGA), memoryunits, logic gates, registers, semiconductor device, chips, microchips,chip sets, and so forth. Examples of software elements may includesoftware components, programs, applications, computer programs, computerapplication programs, system programs, software development programs,machine programs, operating system software, middleware, firmware,software modules, routines, subroutines, functions, methods, procedures,software interfaces, application program interfaces (API), instructionsets, computing code, computer code, code segments, computer applicationcode, computer code segments, words, values, symbols, programming code,or any combination thereof.

As used in this application, the terms “system,” “module” and“component” are intended to refer to a computer-related entity, eitherhardware, software, a combination of hardware and software, or softwarein execution, examples of which are provided by the exemplary computingarchitecture 700 as well as the examples described with reference toFIGS. 1-6C. For example, a component can be, but is not limited tobeing, a processor, a process running on a processor, a hard disk drive,multiple storage drives (of optical and/or magnetic storage medium), anobject, an executable, a thread of execution, a program, and/or acomputer. By way of illustration, both an application running on aserver and the server can be a component. One or more components canreside within a process and/or thread of execution, and a component canbe localized on one computer and/or distributed between two or morecomputers. Further, components may be communicatively coupled to eachother by various types of communications media to coordinate operations.The coordination may involve the uni-directional or bi-directionalexchange of information. For instance, the components may communicateinformation in the form of signals communicated over the communicationsmedia. The information can be implemented as signals allocated tovarious signal lines. In such allocations, each message is a signal.Further embodiments, however, may alternatively employ datatransactions. Such data transactions may be sent across variousconnections, such as for example, parallel interfaces, serialinterfaces, bus interfaces or the like.

While the foregoing examples refer to contracts and the execution ofdocuments, the above described examples may be useful and find practicalapplication in other areas, such as manufacturing, supply chainapplications, auctions and online marketplaces, advertising and mediasales, healthcare, and education, inventory management,Internet-of-Things/Smart device/Autonomous devices, banking andfinancial services, eCommerce, hospitality, law enforcement, governmentoperations, insurance or the like.

What is claimed is:
 1. A method, comprising: receiving, via a dedicatednetwork entry point to an enterprise network, a widget delivery requestfor delivery of a service widget to a user browser, wherein the servicewidget provides an item-related service provided by an enterprise, theitem-related service enabled by at least two respective universalmodules; generating the service widget by evaluating data dependenciesbetween the at least two respective universal modules to be combined inthe service widget, and based on the data dependencies, combining the atleast two respective universal modules; in response to the widgetdelivery request, delivering the generated service widget to the userbrowser, wherein the delivered service widget is operable to enable theuser browser to request item-related services; receiving from thedelivered service widget executing on the user browser a servicesrequest for the item-related services, wherein the services requestincludes information related to an item available for purchase andinformation related to a user of the user browser making the servicesrequest; in response to an analysis of the information related to theitem available for purchase, receiving an indication from the enterprisenetwork that the item available for purchase meets a purchase thresholdof the enterprise; fetching an authentication token from a clientbackend system; upon confirmation that the fetched authentication tokenis valid for the client backend system, delivering the services requestto an enterprise evaluation server; receiving an evaluation result fromthe enterprise evaluation server, wherein the evaluation result includesparameters of the item-related services with respect to the itemavailable for purchase; and in response to receiving an evaluationresult from the enterprise evaluation server, transmitting aconfirmation message to the client backend system, wherein theconfirmation message confirms the enterprise will provide theitem-related services.
 2. The method of claim 1, further comprising:prior to receiving the widget delivery request, receiving at theenterprise network an authentication token request from a client backendsystem for an authentication token, wherein the authentication tokenrequest includes information that uniquely identifies the client backendsystem; and in response to confirming an identity of the client backendsystem, delivering the authentication token to the client backendsystem, wherein the authentication token enables the client backendsystem to confirm to the enterprise network that the client backendsystem is permitted to request services via the enterprise network. 3.The method of claim 2, further comprising: receiving information relatedto the client backend system and information related to a third partyadministering the client backend system with the authentication tokenrequest.
 4. The method of claim 1, further comprising: forwarding theauthentication token request with substantially all communications fromthe client backend system to the enterprise network.
 5. The method ofclaim 1, further comprising: monitoring activities of users of thedelivered service widget by a monitoring component; collecting metricsrelated to user behavior from the monitored activities; and storing thecollected metrics in a data storage.
 6. The method of claim 1, whereinthe confirmation message includes terms and conditions of theitem-related services.
 7. The method of claim 1, further comprising:storing data elements from the information related to an item availablefor purchase and the information related to the user making the servicesrequest in a temporary namespace; and passing the stored data elementsto the enterprise evaluation server with the delivered service request.8. A system, comprising: a composite repository coupled to an enterpriseevaluation server, and storing a plurality of service widgets, wherein aservice widget of the plurality of service widgets includes at least twouniversal modules that have been combined in the service widget based onan evaluation of data dependencies of the two universal modules and isoperable to collect data from a user browser and provide the datacollected from the user browser to the enterprise evaluation server; acommunications interface, wherein the communications interface iscoupled to a network operated by a third-party and to the enterpriseevaluation server; a services authorization component coupled via thecommunication interface to the user browser and the enterpriseevaluation server, wherein the services authorization component isaccessible by a service widget via the communication interface and isoperable to receive user data from the service widget executing with theuser browser; and a services notification component coupled to theservices widget via the user browser and the communications interface,wherein the services notification component is operable to: receive anevaluation result from the enterprise evaluation server, wherein theevaluation result includes parameters for an offer of services withrespect to an item available for purchase; and forward an indication ofthe evaluation result to the user browser.
 9. The system of claim 8,wherein the composite repository is operable to perform functions,including functions to: receive a widget delivery request for deliveryof the service widget from the plurality of service widgets to the userbrowser, wherein the widget delivery request is a request for a specificservice provided by an enterprise and includes information related to anitem available for purchase from the third-party; and in response to thewidget delivery request, deliver the service widget to the user browser.10. The system of claim 9, wherein the delivered service widgetincludes: computer application code operable to: render data inputfields in a window of a website hosted by the third party; store datainput into a respective data input field; and transmit the stored datato the services authorization component.
 11. The system of claim 8,wherein the services notification component is operable to performfunctions, including functions to: receive, from the service widget, aservices request for item-related services from the user browser,wherein the services request includes information related to an itemavailable for purchase; in response to an analysis of the informationrelated to the item available for purchase, receive an indication thatthe item available for purchase meets a purchase threshold of anenterprise; and forward the indication to the third-party network. 12.The system of claim 8, wherein the services authorization component isoperable to perform functions, including functions to: fetch anauthentication token from a client backend system coupled to the userbrowser; upon confirmation that the fetched authentication token isvalid for the client backend system, deliver a services request to anenterprise evaluation server; receive an evaluation result from theenterprise evaluation server, wherein the evaluation result includesparameters for an offer of services with respect to the item availablefor purchase; and in response to receiving an evaluation result from theenterprise evaluation server, transmit a confirmation message to theclient backend system, wherein the confirmation message confirms thatthe enterprise will provide item-related services.
 13. The system ofclaim 12, wherein the services authorization component is coupled to theservice widget of the plurality of service widgets that is delivered tothe user browser.
 14. A non-transitory computer-readable storage mediumstoring computer-readable program code executable by a processor,wherein execution of the computer-readable program code causes theprocessor to: receive, via a dedicated network entry point to anenterprise network, a widget delivery request for delivery of a servicewidget to a user browser, wherein the widget delivery request is for theservice widget that enables an item-related service to be provided by anenterprise; generating the service widget by evaluating datadependencies between the at least two respective universal modules to becombined in the service widget, and based on the data dependencies,combining the at least two respective universal modules; retrieve theservice widget from a composite repository of a plurality of servicewidgets coupled to an enterprise network; in response to the widgetdelivery request, deliver the service widget to the user browser;receive from the service widget a services request for item-relatedservices via the user browser, wherein the services request includesinformation related to an item available for purchase and informationrelated to an individual requesting the item-related services; inresponse to sending the services request to an enterprise evaluationserver coupled to the dedicated network entry point, receive anevaluation result from the enterprise evaluation server, wherein theevaluation result includes parameters for an offer of services to theindividual with respect to the item available for purchase; in responseto receiving an evaluation result from the enterprise evaluation server,transmit a confirmation message to the client backend system, whereinthe confirmation message confirms that the enterprise will provideitem-related services to the individual; and deliver the evaluationresult to the user browser for presentation of the evaluation result.15. The non-transitory computer-readable storage medium of claim 14,further comprising computer-readable program code that when executedcauses the processor to: receive an evaluation result from theenterprise evaluation server, wherein the evaluation result includesparameters for an offer of services with respect to the item availablefor purchase; and in response to receiving an evaluation result from theenterprise evaluation server, transmit a confirmation message to theclient backend system, wherein the confirmation message confirms thatthe services requested in the services request are available.
 16. Thenon-transitory computer-readable storage medium of claim 14, furthercomprising computer-readable program code that when executed causes theprocessor to: fetch an authentication token from the client backendsystem; and upon confirmation that the fetched authentication token isvalid for the client backend system, deliver the services request to theenterprise evaluation server for evaluation.
 17. The non-transitorycomputer-readable storage medium of claim 16, further comprisingcomputer-readable program code that when executed causes the processorto: forward the authentication token with communications from the clientbackend system to the enterprise network.
 18. The non-transitorycomputer-readable storage medium of claim 14, further comprisingcomputer-readable program code that when executed causes the processorto: in response to an analysis of the information related to the itemavailable for purchase, receive an indication from an enterprise networkthat the item available for purchase meets a purchase threshold of anenterprise offering services related to the item available for purchase.19. The non-transitory computer-readable storage medium of claim 14,further comprising computer-readable program code that when executedcauses the processor to: monitor activities of the user browser; collectmetrics related to user browser behavior from the monitored activities;and store the collected metrics in a data storage.
 20. Thenon-transitory computer-readable storage medium of claim 14, furthercomprising computer-readable program code that when executed causes theprocessor to: store information identified for a service requested bythe service request in a temporary namespace, wherein the storedinformation is the minimum amount of information needed for evaluationby the enterprise evaluation server; and pass the stored information tothe enterprise evaluation server with the delivered service request.